Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PFS
STRONG BUYAPPROVEProvident Financial Services, Inc. · Financial Services · United States · $3.1B · Avg Vol: $26M/d
Provident Financial Services clears the calibrated bar on the stricter path, with all three legs above 60 (Q61 V60 M65) and an active buyback as additional corroboration. Nothing adverse survives the evidence test: the only insider figure on file is selling that rounds to 0.00% of shares outstanding, which the framework treats as unusable in either direction rather than as adverse. Higher-for-longer rates support net interest margin for a deposit-funded regional lender.
COMPANY DESCRIPTION
Provident Financial Services, Inc. is the holding company for Provident Bank, a community-oriented financial institution primarily serving New Jersey and Pennsylvania. It offers comprehensive commercial and retail banking services, including various deposit products, commercial real estate loans, and residential mortgages. The bank's strong regional presence and focus on localized customer relationships provide a competitive edge against larger institutions.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 505.3M | 479.3M | 694.7M | 870.4M | 19.9% | 886.0M | 925.8M | 984.4M | 6.3% |
| EPS | 2.20 | 2.35 | 1.72 | 1.05 | 2.23 | 0.3% | 2.33 | 2.35 | 2.50 | 5.8% |
| Shares | — | 75.2M | 75.5M | 130.5M | 130.6M | +73.8% | 130.3M | — | — | — |
| Debt | — | 1.2B | 1.5B | 2.3B | 2.4B | 24.7% | 3.1B | — | — | — |
| Equity | — | 1.6B | 1.7B | 2.6B | 2.8B | 21.0% | — | — | — | — |
| Op CF | — | 200.3M | 173.4M | 426.4M | 442.3M | 30.2% | 438.4M | — | — | — |
| Inv CF | — | -647.6M | -469.6M | 507.7M | -1.1B | — | — | — | — | — |
| Fin CF | — | -78.7M | 290.0M | -908.4M | 615.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PFS | Provident Financial Services, Inc.(you) | $3.1B | 85 | STRONG BUY |
| CATY | Cathay General Bancorp | $4.2B | 85 | STRONG BUY |
| OFG | OFG Bancorp | $2.2B | 87 | STRONG BUY |
| SRCE | 1st Source Corporation | $2.1B | 84 | STRONG BUY |
| WSBC | WesBanco, Inc. | $4.0B | 79 | BUY |
| FBP | First BanCorp. | $4.4B | 89 | STRONG BUY |
| BUSE | First Busey Corporation | $2.5B | 76 | BUY |
| ASB | Associated Banc-Corp | $5.8B | 86 | STRONG BUY |
| FHB | First Hawaiian, Inc. | $3.4B | 72 | BUY |
| BY | Byline Bancorp, Inc. | $1.8B | 81 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%